Credit union · NCUA insured
Southern Teachers & Parents FCU Auto Loan Rates
Southern Teachers & Parents FCU auto loans start at 6.00% APR for a new vehicle and 6.00% for a used one. Rates checked October 16, 2026.
How Southern Teachers & Parents FCU’s auto loan rates compare
Compared with banks and credit unions near Baton Rouge, LA, where Southern Teachers & Parents FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southern Teachers & Parents FCU
6.00%APR
- Terms
- up to 84 months
- Up to
- 14.00% APR
New & Used Car Loans
Lowest rate
Formation Credit Union
3.15%APR
- Terms
- up to 72 months
- Up to
- —
2nd-lowest rate
Baton Rouge City Parish Employees FCU
3.99%APR
- Terms
- up to 84 months
- Up to
- —
Southern Teachers & Parents FCU auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew6.00%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southern Teachers & Parents FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New & Used Car Loans
All rates are governed by credit score. Rates vary according to length of time financed and credit history. Minimum balance requirements apply for 72 and 84 months. No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.00%–14.00% | All rates are governed by credit score. Minimum balance requirements apply for 72 and 84 months. |
Who can join Southern Teachers & Parents FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible if you live, work, worship, or attend school in the underserved designations of East Baton Rouge Parish.
Employers and groups
- Eligible if you are a church member in Baton Rouge, Terrebonne, or Lafourche Parishes (call for details).
Military, government and schools
- Eligible if you are an alumnus, employee, parent, or student of Southern University.
- Eligible if you are an employee of Assumption, East Baton Rouge, Lafourche, or West Feliciana Parishes.
- Eligible if you are an employee of the City of Thibodaux or Lafourche Parish Juvenile Justice Facility.
Membership information collected October 5, 2026.